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As wealth increases, the complexities in life often follow.

Cost of Our Services

It is our steadfast belief that, prior to making strategic long-term investment decisions, one should first identify and qualify the specific long-term goals one wants to achieve. Oftentimes, the best and most efficient investment path to achieve these goals requires an intricate personal plan that incorporates many factors.

Using financial independence as one example, we feel a comprehensive asset accumulation and decumulation analysis should be designed, factoring in uncertain market returns, life expectancy, the effects of inflation, estate planning, health care and legacy concerns.  The complexity of this plan can increase further as wealth increases.

The unique attributes of M.J. Smith & Associates can help sort out the complexities. Our practice is comprised of CERTIFIED FINANCIAL PLANNERTM practitioners, Certified Public Accountants (CPA), Certified Investment Market Analysts (CIMA®), a Chartered Financial Analyst® (CFA®) and a Certified Divorce Financial Analyst™ (CDFA™).  They work as a team to help each of our clients address the following areas with their CPA and legal team:

  • Retirement Planning
  • Estate Planning
  • Risk Management
  • Income Tax Planning
  • Portfolio Design & Monitoring
  • Education Planning

Investment & Wealth Management
- Concierge Services -

The initial planning fee is $3,000 but may be more or less depending upon the client’s complexity. We will provide a firm quote in a written engagement letter prior to commencement of the planning.

Our full concierge service integrates investment and retirement planning along with pro-active tax, estate and risk management planning.  You will receive a customized portfolio design with regular face-to-face meetings and coordination with your CPAs, attorneys and other advisors.

(a) Firm minimum required revenue = $5,000/yr.
In an asset-based fee relationship, you pay a fee (charged quarterly) for the advice and services provided by your financial advisor as a part of the advisory relationship. This fee is based on the level of assets in your account, independent of the level of trading activity. By deciding to pay a fee based on services provided rather than transactions, you should understand that the fee may be higher than the cost of a commission alternative during periods of lower trading activity.  Advisory fees are in addition to the internal expenses you may incur from mutual funds and other investment company securities. If you intend to hold these types of securities, you should consider internal expenses when evaluating the costs of a fee-based account, and reevaluate as necessary to be sure an asset-based fee is still appropriate for your needs.

Investment-Only Services

For certain investors that wish to forgo comprehensive financial planning, face-to-face meetings and the additional services referenced above, we offer on online asset management service at a reduced cost. Click here for more information.

Questions?

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